Business & SME Funding 

What is business finance?

Business finance is the method used to raise and manage funding within an organisation. 

You may need to borrow money to fund a new venture, expand your existing business, launch a new product or just assist with cashflow. 

Whatever your goal, we can help you achieve it.

What are my options?

For small, medium and large businesses finance can fall into the below categories.

Asset Finance / Secured business loan

This type of finance can be arranged against the value of plant, machinery, office equipment, vehicles, tools, and any other valuable assets within the business.

You use this value as collateral for your loan offering the lender the best form of security.

Invoice Finance

Invoice financing will allow your business to borrow money against the various amounts due from your customers. You will essentially be paid your invoices in advance.

This can help you continue to pay employees, suppliers or invest in new products whilst waiting for your customers to pay their balances in full.

This is a great way to improve cash flow and keep your business fluid when you need it the most.

Once you receive your full payments, you may use these to pay off the loan.

Unsecured Business Loan

This type of loan can be based on potential or actual turnover and forecasted profit. You can generally use it for any purpose.

Providing the loan repayments remain affordable based on recent months takings, it can be a quick and flexible form of lending.

Lendese Commercial Limited is an appointed Representative of Commercial Finance Brokers UK Limited which are authorised and regulated by the Financial Conduct Authority.

Talk to us!

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    Questions?

    FAQ

    Our customers’ top 5 questions about business finance.

     

    Business finance can be arranged in as little as 24 hours. So if short term or urgent funds are needed this could be a great solution.

    You will generally borrow money against the performance of your business, the assets within it or the potential income, which lenders will then assess to ensure these plans are robust enough to lend the required amount of money.

    With invoice factoring you can generally borrow up to 85% of your outstanding invoices.

    Asset finance will depend on the value of the security.

    Unsecured business loans will often lend you a multiple of your monthly / annual turnover with considerations given to profitability and affordability.

    Yes, we have many lenders who will consider start up funding. This will be heaviliy reliant on a robust business plan and projections of the new venture.

    Government backed recovery loans are no longer available, but we can look into unsecured business loans to obtain the required funds.